What kinds of insurance are suitable for middle-aged and elderly people?
Middle-aged and elderly people are older, and the incidence of illness is much higher than that of young people. Therefore, there are very few types of insurance suitable for middle-aged and elderly people on the market at present. In order to make middle-aged and elderly people choose products better, here are some insurance products suitable for middle-aged and elderly people.
First, health insurance for middle-aged and elderly people.
This is the first kind of insurance to be purchased. After entering the middle-aged and elderly people, the health status of a large number of middle-aged and elderly people will be much worse than before, and medical expenses will become an important expenditure for middle-aged and elderly people. Savings or investment insurance products have passed the best time to buy. So middle-aged and elderly people can choose to buy a health insurance, such as hospitalization insurance and critical illness insurance. However, it should be reminded that for middle-aged and elderly people over 55 years old, they must choose consumer insurance when purchasing critical illness insurance to avoid the phenomenon that the premium is higher than the insured amount. Is savings insurance good? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
Second, accident insurance for middle-aged and elderly people
It is also a good choice to insure against accidental injuries, because middle-aged and elderly people are not so flexible, and they may get hurt if they bump into each other. It is understood that the probability of middle-aged and elderly people suffering from accidental injuries is much higher than that of other age groups, especially in unexpected situations such as traffic accidents and fires. Therefore, an appropriate accident insurance should be an important part of insurance planning for middle-aged and elderly people.
Moreover, compared with other types of insurance, accident insurance for middle-aged and elderly people has the characteristics of low premium and high security, and the insurance rate is not much different from that of young people, and the protection is more comprehensive. Among many insurance products, the cost performance is very high. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
Finally, it needs to be reminded that insurance companies are strict about health insurance for middle-aged and elderly people. Many types of insurance have age restrictions. The older you are, the higher the premium will be. Therefore, you'd better take out insurance as soon as possible, or you won't be able to take out insurance when you are old.
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Recommendation of insurance varieties for middle-aged and elderly people
First, the old friend Anxin three generations of illness insurance
This product is a rare anti-cancer insurance for the elderly until the age of 80. If you have certain cancers, such as bone cancer, leukemia and brain cancer, the insurance company will provide double protection. In addition, it also provides special registration services. If the insured elderly suffer from diseases, the insurance company can help to register and see a doctor more conveniently.
Second, evergreen life insurance
The whole life insurance Plan of this product is specially tailored for middle-aged and elderly people, and it is exclusive for those aged 55 to 75. Insurance is very simple, no medical history, no physical examination, and one phone call can cover it. If the insured dies due to illness or accident, the insurance company will pay compensation. And once the insurance is successful, the premium will not increase because of getting older or changing health status.
Third, comprehensive insurance for the elderly.
This product is specially designed for middle-aged and elderly people aged 50 to 70, which has both accident and medical protection. If the insured suffers a fracture due to accidental injury, the insurance company will pay the beneficiary the accidental fracture insurance money. If the insured is hospitalized due to accidental injury or illness, the insurance company will pay the daily hospitalization allowance according to the contract.
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What skills do middle-aged and elderly people have to buy insurance?
The most important principle for middle-aged and elderly people to buy insurance is to see whether the products they buy guarantee renewal. Because the risks of middle-aged and elderly people are higher, in order to control risks, most insurance companies do not promise to renew their short-term medical insurance or accident insurance. Because once the insurance is needed, the insurance company must unconditionally renew the insurance for the insured, regardless of the age of the insured, whether it is out of danger or not. When you choose, try to choose insurance products with guaranteed renewal clauses.
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